5 month old puppy - Had claim check in 4 days

10
Out of 10

I have a 5 month old female Havanese and I purchased pet insurance for her on 4/9/2011. I figured I should get it while she is a puppy and completely healthy to avoid not having the chance to purchase it when she may need it later in life. Well, she ended up needing to be hospitalized less than a month after the policy was purchased. After some blood work, medications, and an overnight stay she was feeling much better. Since we had the insurance we didn't hesitate to take our little girl to the Vet. We knew we had some protection to offset the upcoming costs. It gives you peace of mind.
PROS:
They have an ANNUAL Deductible not a per incident deductible like many of the other larger pet insurance companies. If I get pet insurance, I don't want to be stuck having to pay $100 or $200 per incident...I want to have it taken care of the first time something happens for the year.

They PAY based on ACTUAL COSTS...not some table(Huge difference...ask other companies how they pay out)

The PRICE for the policy is very REASONABLY priced for the amount of coverage. (I chose $100 deductible and 90% copay)

Had CLAIM CHECK in hand in THREE Days.

Amazing speed. I made sure to follow their instructions and had the vet clinic fax up her medical records, since it was her first claim, and I then faxed the completed claim form as soon as I returned from the vet hospital. As I mentioned earlier....claims process was so easy and quick.

CONS:
Lifetime maximum of $2

Did you find this review helpful?
Injury/illness

Gastritis/vomiting

Claim Amount
$100 - $500
Breed

Havanese

Age of Pet
Under a year

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Posted: 06/10/2011
By:  

Since the original reviewer hasn't answered you, I'll answer for her: lifetime payout per pet is $25,000.
I did exhaustive research on pet insurance and I felt the best four are Petplan, Embrace, Trupanion and Healthy Paws. I both spoke and e-mailed Healthy Paws and was impressed with their customer service -- very personalized. They were definitely in contention. But, in the end, for me, it was that lifetime payout. You would hope you will never have to pay that much in medical bills a dog's life; but, what if, heaven forbid, your dog got cancer? Even over the last 5 years of the dog's life that can add up fast. Not having that limit gives more peace of mind -- especially if you purchase the policy in your pet's earlier years.

Posted: 06/12/2011
By:  

Lifetime Maximum benefit is $25,000; no annual or per incident limits. However, some plans have annual limits of $20,000 per year with no lifetime limit.

Posted: 05/31/2011
By:  

The amount of the Lifetime Maximum was cut off. HOW MUCH IS IT? And lifetime of what? The pet, or the policy?

Posted: 07/03/2011
By:  

Healthy Paws is pleased to announce that we have just eliminated the $25,000 per pet lifetime limit. Healthy Paws policyholders will now enjoy our comprehensive coverage with no incident, annual, or lifetime limits.